Commerce Trust Visa Infinite® Credit Card
Exceptional Experience
Wherever You Are
Tailored for your travels around the world or around the corner
1.5% Cash Back1 on all purchases2
3.0% Cash Back1 at restaurants3 and coffee shops3
A Cash Back redemption is applied as a statement credit. No cap on point earning. Points can be redeemed for statement credit, gift cards, merchandise, and more. Point redemption is available through rewards link in Online Banking.
Access the Travel Benefits
You Value Most
Whatever your destination
Global Entry
Apply for Global Entry, an expedited airport security program,5 using your card to pay your application (currently $100) and receive a $100 statement credit.6
For more details, view Terms & Conditions on Commerce Trust Visa Infinite Portal.
Silvercar4
Ride in style with a luxurious Audi
Save up to 30% (with a guaranteed minimum discount of 10%) on Audi rentals when you pay with your Commerce Trust Visa Infinite card.
Visit Silvercar to create an account to redeem this offer online.
Luxury Hotel Collection
Enjoy extraordinary collection of benefits
Visa Infinite Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
For more details, view Terms & Conditions on Commerce Trust Visa Infinite Portal.
Explore the world around you with our laser-engraved metal card with “tap and pay” technology
Upgrade to Commerce
Trust Visa Infinite
Please reach out to your Private Banker for more details on our upgrades to the Commerce Trust Visa Infinite card.
Take Advantage of Your Additional Benefits
Travel & Lifestyle Benefits
Relais & Châteaux Hotel Privileges
Visa Infinite cardholders enjoy premium benefits including a VIP welcome and complimentary breakfast daily8 for each member of their party at select properties with Relais & Châteaux, a prestigious collection of approximately 500 independently owned luxury properties worldwide.
Troon Rewards®9
Sign up for Troon Rewards with your Commerce Trust Visa Infinite card and automatically receive Gold Status, saving you 15% on golf fees and merchandise at over 95 courses around the world. Those cardholders with current Troon Rewards status will be eligible to receive a one-level upgrade in status to Platinum (20% off golf fees).
Avis® Car Rental Privileges
As a Commerce Trust Visa Infinite cardholder, you can take advantage of automatic enrollment in Avis Preferred Plus, and save up to 30% off base rates on qualifying rentals. Also includes free weekend rentals and up to 10% off base rates on Select Series rentals.
National® Car Rental Privileges
As a Commerce Trust Visa Infinite cardholder, receive complimentary Emerald Club® Executive level membership. Also, save up to 25% on qualifying National® rentals at participating locations in the United States, Canada, Latin America and the Caribbean.
Protection Benefits
Auto Rental Collision Damage Waiver11
Save money by saying no at the counter – rent with your covered Commerce Trust Visa Infinite card and get built-in Auto Rental Coverage.
Lost Luggage Reimbursement11
When you use your covered Commerce Trust Visa Infinite card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline.
Trip Delay Reimbursement11
Anticipate delays when you purchase air travel with your covered Commerce Trust Visa Infinite card. With Trip Delay coverage you can receive up to $500 when you’re stuck for more than 6 hours due to a covered hazard.
Travel Accident Insurance11
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Commerce Trust Visa Infinite card and enjoy Travel Accident Insurance.
Trip Cancellation/Interruption11
Prepare for the unexpected when you purchase travel with your covered Commerce Trust Visa Infinite card, you’re covered for your non-refundable fare in case of Trip Interruption or Cancellation.
Purchase Security11
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security, available when you pay with your covered Commerce Trust Visa Infinite card.
Return Protection11
Use your covered Commerce Trust Visa Infinite card and get extra return protection any time you make an eligible purchase of an item up to $300.
Extended Warranty Protection11
Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your covered Commerce Trust Visa Infinite card.
Cell Phone Protection11
When you pay your monthly wireless bill with your covered Visa Infinite card, your cell phone is protected for the next calendar month. So, you can be reimbursed if your cell phone is stolen or damaged.
Roadside Dispatch12
Rest easy on the road with 24/7 dispatch support for towing, locksmith and more with no membership required.
Travel and Emergency Assistance Services12
Call anytime for Travel or Emergency Assistance, available for covered Commerce Trust Visa Infinite cardholders from anywhere in the world.
Service Benefits
Visa Infinite Concierge13
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports and entertainment tickets and more. You may reach Visa Infinite Concierge at 888-215-9073 or 312-800-4296 (from outside the U.S.).
24/7 Commerce Bank Customer Service
Access a high-level of personal service at Commerce Trust by calling our dedicated customer service line at 877-787-3171 or 314-514-6299 (from outside the U.S.).
For more details, view Terms & Conditions on Commerce Trust Visa Infinite Portal.
1A Cash Back redemption is applied as a statement credit. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items may vary.
2"Purchases" refers to “Net Merchandise Purchases” meaning purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance Transfers or transactions using Convenience Checks or any associated fees. Other exclusions apply. See Rewards Terms & Conditions for full program details at commercebank.com/InfiniteRewardsTerms.
3Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore transactions may not be counted in the category you might expect. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible for bonus points. Offer cannot be combined with other promotional offers.
4Certain restrictions and limitations apply. See full Terms and Conditions for details.
5Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Visa and Commerce Bank have no control over the program including, but not limited to, application, approval process or enrollment, fees charged by CBP, and no liability with regards to the Global Entry Program. For complete details on the Global Entry program, including full terms and conditions, go to cbp.gov/global-entry/about.
6$100 statement credit will be processed after the Global Entry program application fee or renewal Global Entry program application fee is charged to an eligible card. Holders of eligible cards are entitled to one (1) $100 statement credit per eligible Visa Infinite account number every four (4) years in connection with the Global Entry program application fee. Please allow 6-8 weeks after the Global Entry program application fee is charged to an eligible Visa Infinite card for a statement credit to be posted to your account. Cardholders are responsible for payment of all charges until the statement credit posts to the account. Visa and Commerce Bank reserve the right to modify or cancel this offer at any time and without notice.
7No Pre-Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account to exceed its Revolving Credit Line will be evaluated by us based on several factors. Any balance that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.
8Complimentary breakfast available at approximately 140 participating properties. Must book 72 hours in advance through Visa Infinite Concierge. Limited to stays of up to 7 consecutive nights. See relaischateaux.com/us/p/visainfinite-us for list of participating properties.
9For complete Troon Visa Infinite Benefit terms and conditions, please refer to https://www.troongolfrewards.com/verify/visa-infinite
11Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Commerce Trust Visa Infinite card to secure transactions. Please refer to your Guide to Benefits for further details.
12Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.
13All costs for goods or services purchased are the responsibility of the cardholder.
The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank, Member FDIC.
Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situation.